COMP <GO>

RBKB vs FBLA // ENTERPRISE SCALE & MARKET CAP

Rhinebeck Bancorp Inc. (NASDAQ) VS. FB Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: RBKB 4 — FBLA 1

▲ ENTERPRISE SCALE & MARKET CAP LEADER: FBLA

LAST: $12.85 (+0.16%) • MKT CAP: $200.9M

market-cap

$200.9M

LAST: $16.99 (-1.56%) • MKT CAP: $271.0M

market-cap

$271.0M

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RBKB VS. FBLA) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	RBKB	FBLA	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	7.30%	0.40%	+6.90	RBKB	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	5.42%	-1.44%	+6.86	RBKB	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	0.00%	0.00	TIE	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	4/9	+1.00	RBKB	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	53.7	49.5	+4.22	RBKB	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	18.6x	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap ACTIVE	$200.9M	$271.0M	-$70.0M	FBLA	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	RBKB REV	FBLA REV	RBKB GROSS %	FBLA GROSS %	RBKB FCF	FBLA FCF
FY 2025	$0	$0	—	—	$10.9M	-$3.9M
FY 2024	$0	$66.5M	—	—	$7.7M	-$4.6M
FY 2023	$0	$69.1M	—	—	$7.0M	-$7.0M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

RBKB // BETA —

FBLA // BETA —